Useful information for your employees

Our online help centre has a wealth of useful information to help your employees navigate their pension savings.

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What is auto enrolment?

Auto enrolment means all employers must put their eligible employees into a workplace pension Scheme and contribute to their pension savings.
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What is a pension?

A pension is a long-term savings plan you use to save for your retirement. Pensions have tax advantages compared to other types of savings.
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Investing your savings

Our investment strategy aims to give you good outcomes, and our clear charges are among the lowest in the industry. We don’t ask you to make investment decisions.
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Costs and charges

We’ve designed our charges – which are some of the lowest in the pensions industry – to be simple, transparent and fair.
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Paying in extra money

The more you save for your retirement, the more income you’ll have – so it makes sense to save as much as you can afford.
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My retirement

Your pension saving journey is one of the most important you’ll make. We’ll help you plan and enjoy the retirement you want and be with you every step of the way.

A secure online personal account

Each employee enrolled in the Scheme gets their own secure online personal account they can use to manage their pension savings.

They can use their account to:

  • check the value of their pension savings at any time
  • update their contact details quickly and easily pay additional voluntary contributions to build up more pension savings
  • opt out of the Scheme (within the one-month opt-out window) and receive a refund of employee contributions
  • cease contributions by opting out at any time outside of the opt-out window
  • opt into the Scheme.

An annual benefit statement

Every year, each employee who has benefits in the Scheme gets an annual benefit statement. This clearly sets out:

  • how much money they’ve built up in their pension savings
  • the contributions they, and you as their employer, have paid
  • how investment has affected the value of their pension savings
  • the costs and charges they’ve incurred during the year, and
  • how much they could have at their retirement age, if they stay in the Scheme
  • what they could do to save more.

Explaining the Scheme

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Costs and charges explained

A clear guide to the effect of Scheme costs and charges on benefits building up.
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Member booklet

A detailed guide to the Scheme and how it works, as well as guidance on the importance of saving for retirement.

 
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Re-enrolment leaflet

Helping employees who are re-enrolled understand why it’s good to stay in the Scheme.
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Our Chair’s Statement

Our Statement sets out what we’ve done to make sure that the Scheme is run in the best interests of members over the Scheme Year that ran from 1 April 2020 to 31 March 2021.
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Diversified Growth Fund (DGF)

During the early and middle parts of their pension saving journey, members’ contributions are invested in the Diversified Growth Fund. This fund aims to provide stable growth over the long term by using diversification.